Under MD law, you will need to physically separate and cannot live under the same roof to pursue a divorce under MD Family Code 7-103, so one of you will have to move out. MD is an equitable distribution
state, which means the court will divide all property accumulated during the marriage in an equitable fashion which does not necessarily mean equal (based on length of marriage, contributions of the parties and any faults in the dissolution). If the credit card is in his name alone, he would be liable for that debt, not you.
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